Business Segments INT SANPAOLO RISP Borsa Italiana

Stocks

ISPR

Banks

Delayed Borsa Italiana Other stock markets			5-day change	1st Jan Change
- ^EUR	-.--%		-3.84%	-

12:02pm	European Markets Soften: Eni and Stellantis Weigh on MIB	AN
10:25am	Mixed Start Expected for European Markets on Fed Decision Day	AN

Sales 2025 by Business Segment

Sales 2025 by Geography

Historical Breakdown of Revenue by Business Segments

Net Income: Breakdown by Business Segment

Breakdown by Business Segment (EUR)

Fiscal Period: December	2021	2022	2023	2024	2025
Diversified Commercial Banks
Territorial Bank	8.94B	8.81B	9.97B	10.64B	10.78B
Income Tax Expense	358M	375M	1.09B	1.34B	1.41B
EBT	1.13B	1.12B	3.32B	4.07B	4.4B
D&A	6M	3M	2M	1M	-
Operating Income	2.47B	2.42B	4.73B	5.24B	5.95B
Net Income	385M	471M	1.94B	2.23B	2.82B
IMI Corporate & Investment Banking	4.57B	4.33B	3.9B	3.89B	4.53B
Income Tax Expense	976M	519M	711M	735M	957M
EBT	3.18B	1.22B	2.22B	2.33B	3.04B
D&A	21M	20M	19M	16M	-
Operating Income	3.21B	2.92B	2.41B	2.41B	3.27B
Net Income	2.2B	681M	1.48B	1.57B	2.05B
UBI Group	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
EBT	-	-	-	-	-
D&A	-	-	-	-	-
Operating Income	-	-	-	-	-
Net Income	-	-	-	-	-
Private and Industrial Banking
Private Banking	2.38B	2.48B	3.15B	3.33B	3.42B
Income Tax Expense	481M	444M	672M	718M	645M
EBT	1.63B	1.56B	2.11B	2.24B	2.31B
D&A	73M	81M	89M	106M	-
Operating Income	1.47B	1.55B	2.2B	2.29B	2.36B
Net Income	1.08B	1.03B	1.37B	1.46B	1.62B
Foreign Banking and Branches Of Foreign Banks
International Banks	1.97B	2.23B	2.72B	3.1B	3.22B
Income Tax Expense	143M	191M	330M	420M	444M
EBT	675M	779M	1.59B	1.69B	1.79B
D&A	117M	114M	117M	134M	-
Operating Income	900M	1.11B	1.73B	1.87B	1.84B
Net Income	463M	504M	1.17B	1.15B	1.24B
Life Insurance
Insurance	1.57B	1.61B	1.61B	1.72B	1.81B
Income Tax Expense	211M	347M	386M	107M	425M
EBT	837M	1.32B	1.3B	1.34B	1.38B
D&A	20M	20M	32M	36M	-
Operating Income	1.17B	1.22B	1.23B	1.34B	1.42B
Net Income	712M	870M	876M	1.15B	895M
Investment Funds
Asset Management	1.34B	962M	908M	1B	1.06B
Income Tax Expense	296M	184M	184M	196M	-138M
EBT	1.1B	740M	663M	782M	810M
D&A	7M	6M	9M	9M	-
Operating Income	1.1B	740M	663M	754M	807M
Net Income	787M	550M	475M	579M	936M
Corporate Centre	13M	1.05B	1.36B	2.14B	704M
Income Tax Expense	-842M	-1M	67M	535M	-160M
EBT	-1.92B	609M	873M	1.29B	-262M
D&A	1B	1.04B	1.08B	1.1B	-
Operating Income	-459M	580M	845M	1.64B	118M
Net Income	-1.44B	244M	411M	531M	-237M
Income Tax Expense	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
Income Tax Expense	-	-	-	-	-

Geographical Revenue Distribution History

Geographical breakdown of sales (EUR)

Fiscal Period: December	2021	2022	2023	2024	2025
Italy	16.45B	16.72B	17.91B	19.28B	19.45B
Income Tax Expense	1.04B	1.6B	2.6B	3.04B	2.62B
D&A	1.08B	1.11B	1.17B	1.2B	-
Net Income	2.02B	3.09B	4.8B	5.48B	6.31B
EBT	3.77B	5.48B	8.16B	9.41B	9.36B
Operating Income	7.04B	7.41B	9.68B	10.82B	11.51B
Europe	3.47B	3.82B	4.77B	5.41B	4.93B
Income Tax Expense	480M	338M	671M	874M	756M
D&A	132M	138M	153M	178M	-
Net Income	1.71B	853M	2.48B	2.52B	2.39B
EBT	2.29B	1.31B	3.27B	3.5B	3.25B
Operating Income	2.25B	2.5B	3.39B	3.84B	3.34B
Rest of The World	861M	935M	928M	1.14B	1.15B
Income Tax Expense	102M	122M	167M	137M	199M
D&A	31M	31M	26M	26M	-
Net Income	448M	409M	436M	656M	621M
EBT	574M	557M	627M	833M	857M
Operating Income	577M	631M	738M	886M	928M
Income Tax Expense	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
Income Tax Expense	-	-	-	-	-
Income Tax Expense	-	-	-	-	-